Embrace 是一个家庭，当您 Embrace 您的宠物时，您注册的不仅仅是保险 – 您成为家庭的一部分。Embrace 宠物保险承诺在宠物父母最需要的时候提供真正的支持和确定性。
以上内容由商家自行提供，未经平台核实。Embrace Pet Insurance（embracepetinsurance.com）在 OK.one 的综合评分为 2.7 分（满分 5 分），基于本站收录的 193 条用户评价，属于金钱与保险分类，口碑较差。45% 的评价为 1 星，差评比例偏高；商家回复了 96% 的差评；评价主要围绕客户服务、价格。数据最后更新于 2026-08-11。
评论者对这家公司的体验非常好。客户经常称赞支持团队在回答承保范围问题时非常乐于助人、友善且专业。许多人还热切地感谢快速、及时的宠物费用和医疗费用报销流程。 然而，一些客户也指出，保险索赔有时可能会遇到长时间的处理延迟或意外的技术提交障碍。评论者还提到，随着他们心爱的宠物变老，他们面临着突然的溢价上涨，或者面临着令人沮丧的索赔被拒绝。一些人认为，满足详细病史要求使得获得适当的赔付比预期困难得多。
本段由 AI 基于该企业的全部评价自动归纳，仅供参考，不代表平台立场。
曾经很好。然后他们就不是了。 目前无法访问我的任何保单信息、承保范围、文件索赔 到目前为止还没有修复。他们说几个小时。 已经好几天了。
你好特里西娅， 我们知道一些技术问题影响了我们的一些用户，对于由此造成的任何挫败或不便，我们深表歉意。我们想向您保证这是高度优先的，我们的技术团队正在积极努力修复任何剩余的错误。请注意，同时，如果您在电子邮件正文中包含索赔文档或有索赔相关问题，您也可以通过电子邮件将索赔提交至[email protected]；如果您以文件附件形式发送索赔，则可以将索赔提交至[email protected]（请注意，这是一个仅用于文件附件的不受监控的收件箱）。我们无法找到您的帐户以查看更多详细信息，但请随时发送电子邮件至[email protected]，并提供您的全名和保单编号，我们很乐意提供进一步的帮助。 最好的问候， 拥抱团队
客户服务代表克莱门汀说得很清楚。她帮助我思考调整我们的政策而不是取消它。考虑到未来的健康需求，我对保险范围感觉非常好。我们的两只猫现在受到了保护，我们对成本感到满意。对于这种互动和拥抱，我无法说出足够多的好话。
你好伊丽莎白， 感谢您抽出宝贵时间分享您的经验！我们感谢您一直以来的信任，并感谢您选择 Embrace 来帮助您的毛茸茸的家庭成员保持健康和快乐！ 最好的问候，拥抱团队
我成为保单持有人已有 9 年了，在很大程度上，我对客户服务和及时报销费用感到非常满意。我的抱怨是，要等待很长时间才能联系到接听我的电话的人，而且该网站存在许多导致沮丧的故障。他们确实每年都会提高价格，这是可以预料的，但我觉得我们这些在家做饭并超越特殊护理的人应该在这些上涨中得到一点休息！ 我仍然给他们 5 颗星，但真心希望他们尽快解决上述问题。
你好，S.卡琳， 感谢您抽出宝贵时间留下如此善意的话语。请注意，我们正在研究如何最大程度地减少近期等待时间的增加。我们也意识到了技术问题，我们的技术团队正在努力解决这些问题。我们感谢您对 Embrace 的持续信任，帮助您的毛茸茸的朋友保持健康！ 最好的问候， 拥抱团队
我带小狗回家之前就买了宠物保险，没想到3个月大的时候她得了樱桃眼，文件处理部门非常落后，所以没有大家一起沟通，我只是收到一个又一个的通知，他们需要三个月大狗的完整病史。我从她三次拜访中获得的所有信息都已在 5 个不同的场合发送。现在我陷入了困境，因为我不能去一家新的保险公司，那里有更好的客户服务，更容易运行的应用程序，或者其他任何东西，因为她的眼睛以及她必须接受手术的事实。 在考虑拥抱之前先跑。每个人都告诉我这是最好的，但事实并非如此，至少可以说这是一场噩梦。最近很多人告诉我，在您提出索赔后，他们也会提高您的费用。
你好，JNB， 对于您在我们公司的经历未能达到您的期望，我们深表遗憾。我们无法找到您的帐户以查看您的索赔的具体详细信息，但请随时发送电子邮件至[email protected]，并提供您的全名和保单编号，我们很乐意提供进一步的帮助。 最好的问候， 拥抱团队
快速响应和令人难以置信的客户服务！ 该代表调查了这种罕见的延误的原因，并能够迅速提供答案。 当我提到一个我只是想让 Embrace 知道的网站问题时，她也对此进行了研究并回复了我。 喜欢这家公司！！ 如果我对索赔有疑问，他们愿意讨论、审查他们的决定并重新审理索赔。 他们在解释事情时非常有礼貌和耐心，所以当我不明白时我会毫不犹豫地打电话。 报销速度很快。 养狗后我做出的最正确的决定！
Hello PWnMD, We're glad to hear that our representative was able to quickly address your concerns and resolve the issue. We strive to provide exceptional customer service and to process claims as efficiently as possible, so we're pleased to hear you've had a positive experience with our team! Thank you for taking the time to share your feedback. Best regards, The Embrace Team
我成为客户已经 4 年了，我很喜欢索赔处理的速度，而且当我有疑问时可以很容易地打电话给我。
Hello T, Thank you for taking the time to share that feedback! We’re happy to hear you’ve had a positive experience with our Customer Care team and claims service! Best regards, The Embrace Team
这里的利率不断上涨，而且索赔需要更长的时间才能支付。养了两只宠物 20 年后，我认为是时候换一家公司了。
你好詹妮弗， 请注意，我们非常感谢您长期以来的忠诚度，对于您最近的体验令人失望，我们深表遗憾。由于年龄、兽医费用上涨和其他因素，保费在续保时可能会发生变化。然而，我们确实制定了保单，允许每位宠物家长更改承保参数，根据他们认为最适合其个人宠物和情况的情况来调整保费。索赔处理平均需要 10-15 个工作日，但有时可以更快处理。我们看到您最近与代表讨论了您的疑虑，但如果您还有任何其他问题，请随时联系我们的客户服务团队，我们很乐意提供进一步的帮助！ 最好的问候， 拥抱团队
服务很差。他们寻找任何理由不支付索赔。除非你的动物是婴儿，宠物保险就是浪费钱。把你自己和我们要付给他们的钱存入银行。他们是浪费钱
Hello Richie, We regret that your experience with our company has not met your expectations. We were unable to locate your account to view additional details, but please feel free to reach out to [email protected] with your full name and policy number and we’re happy to assist with any other questions or concerns. Best regards, The Embrace Team
因为我用了所以成本增加了60%？ 去年我的哈士奇进行膝盖手术时，没有涵盖所有内容。 最好每月存钱然后自己付钱。
Hello Sean, We understand that premium increases are challenging. Please know that you have options and our team is here to help you review your plan, explore ways to adjust your coverage, or find alternate coverage to keep a level of protection in place. Our goal is to work closely with each policyholder to explore personalized solutions to support you during this time, so if you would like to explore those options further, please feel free to reach out to our Customer Care team and we're happy to provide additional assistance. Best regards, The Embrace Team
目前仍在等待 26 年 6 月 1 日的索赔（今天是 2026 年 6 月 24 日）。对这家保险公司非常不满意，因为去年的索赔 - 尽管发送了所有医疗记录，我们仍必须证明我们的狗患有疾病。他们每月从您的帐户中取出钱没有任何问题 - 但他们真的不想支付急诊室账单，正如时间长度所示，我们仍然没有收到 Embrace 的回复。自 20 世纪 70 年代以来，我一直为我的汽车和房屋使用 USAA 保险，没有出现任何问题。我也像其他人一样感到，由于要求提供详细的病史或提交过程中的技术问题，索赔有时会被拒绝或延迟（特别是因为我亲自从兽医办公室发送了我所有狗的病史）。然而，我的评级反映了我的解释和我对拥抱的失望。
Hello Nicki, We strive to provide the best service for our pet parents and we're sorry to hear that is not the impression you were left with! Temporary pre-existing conditions are eligible to expire provided the pet went 12 consecutive months symptom and treatment free. Your dog has several temporary pre-existing conditions listed that are eligible to expire, but in order for our claims team to determine if a condition is eligible for expiration, they need to review the pet's medical records through the expiration date(s) in order to complete an updated Medical History Review. During this time, we will work directly with the vet clinic(s) on file for the pet to request the records we need. We understand this can sometimes be frustrating and we always work as quickly as possible, but this timeline allows us to maintain accuracy and quality in processing your claim. We see you already spoke with a representative regarding your concerns, and we appreciate you sharing this feedback as we are always looking for ways to improve. If you have any other questions, please feel free to reach out and we're happy to help. Best regards, The Embrace Team
拥抱总是为我们带来好处。 我有一只病得很重的狗，他们报销又快又公平。 我会毫不犹豫地再次使用它们。
Hello Scott, We're glad your policy has been there to help during your dog's time of need and that the claims process has gone smoothly for you. We also appreciate you taking the time to share your experience! Best regards, The Embrace Team
我们一直对我们的保单非常满意，尤其是快速索赔流程。每当我们发现有必要寻求帮助时，这位同事知识渊博、富有同情心且友善。我们在拥抱方面从未有过糟糕的经历。
Hello John, We're committed to providing exceptional service and coverage for our policyholders, so we're happy to hear you've experienced knowledgeable and compassionate service from our team. We sincerely appreciate your kind words, your recommendation, and you taking the time to leave that feedback! Best regards, The Embrace Team
一切都非常好且易于理解。感谢您的帮助。
Hello Tameisha, We're grateful for your positive feedback and appreciate you taking the time to leave us a review! Best regards, The Embrace Team
每月支付 500 美元购买一只威玛猎犬，您从她 4 个月大的时候就开始享受保险了。 价格不断上涨，而承保范围不断下降。 从未超出溢价，但您会认为一家公司会忠于其最忠实的客户。 当我们询问新狗的保险时 (Vizsla) 他们说每月 200 美元。 所以每月 2 只狗 625 美元。是的，对。 货比三家
Hello Bryan, We understand that premium increases are challenging, and we truly regret any disappointment you've experienced with your policy. Embrace conducts a data analysis each year, and it is these findings that help us to determine increases in premium pricing for all policies for the term ahead. Our renewal increases are based on multiple factors including the age of the insured pet(s), tenure of the pet(s) on the policy, and veterinary inflation. This includes not only rising veterinary costs but also the recent advances we are seeing in veterinary care. Over the lifetime with any pet insurance company you are likely to see very similar trends, it just may vary when the increase happens. We strive to find a balance in maintaining quality coverage for the pets that we insure, while also factoring in changes in the marketplace, but the reality of the premiums is that they do go up over time as our pets get older to account for the increasing risk of illness and injury. Please know that you have options and our team is here to help you review your plan, explore ways to adjust your coverage, or find alternate coverage to keep a level of protection in place. Our goal is to work closely with each policyholder to explore personalized solutions to support you during this time, so if you are interested in going over these options further, please feel free to reach out to our Customer Care team and we're happy to help. Best regards, The Embrace Team
优质的客户服务和快速处理的索赔。对拥抱非常满意
Hello Caro, Thank you for taking the time to share that feedback! We’re happy to hear you’ve had a positive experience with our Customer Care team and claims service! Best regards, The Embrace Team
当我的宠物保单续保价格翻倍时，我打电话给 Embrace 取消。 克莱门汀听取了我的意见，发现了一个更符合我们现在支付的价格，瞧！ 我续订了。 克莱门汀在客户服务方面给予 5 星评价。
Hello Elizabeth, Thank you for sharing that feedback! We strive to provide excellent customer service and are happy to hear you’ve had a positive experience with our representative! Best regards, The Embrace Team
皮肤问题承保和等待 1 年的政策 I 是个笑话 我的狗的小屋从抓伤中恢复过来，通过清洁和局部抗生素的应用解决了这个问题。 几个月后，他因打台球而患上外耳感染。被告知不予承保，因为他一年前就有皮肤状况。现在必须再等一年才能覆盖 fx 的任何皮肤。 对 USAA 支持这家公司感到羞耻。
Hello Frank, We are sincerely sorry to hear that your experience with our company has not met your expectations. We do distinguish between temporary and permanent pre-existing conditions and understand that some conditions can be symptoms of curable conditions. Temporary conditions are eligible to expire if the pet goes 12 consecutive months symptom and treatment free. We were unable to locate your account to view the specific details, but if you have any additional questions, please feel free to reach out to [email protected] with your name and policy number and we're happy to provide further assistance. Best regards, The Embrace Team
我对 Embrace 提供的服务感到非常失望。试图回答简单的问题是一次令人筋疲力尽的经历： 无电话支持：电话线永远无法接通，因此无法联系到任何人。 无效的实时聊天：我不得不依赖实时聊天，但代理（例如 Lindsey）似乎训练不足且不友好。与他们沟通非常困难，因为他们常常难以理解基本问题。 无响应的电子邮件/索赔团队：他们的自动电子邮件令人困惑且无益。此外，我已经向索赔团队发送了电子邮件，但已经三天没有收到回复。 他们的电话、实时聊天和电子邮件支持都效率不高。老实说，我很想知道这家公司如何获得如此好的评价，因为我的经历完全相反。如果再这样下去，我别无选择，只能换一家保险公司。
Hello Christine, We understand that you may occasionally experience delays in reaching us by phone or email due to high volume. We sincerely regret any inconvenience that may cause, but please know that we are continuously working on ways to minimize hold times and we appreciate your patience as we assist each Pet Parent with care. We are also taking steps to hire and train additional staff to better serve our Pet Parents and hope to resume our normal operating standards soon! We were unable to locate your account to view additional details, but please feel free to reach out to [email protected] with your full name and policy number and we're happy to assist with any additional questions you have. Best regards, The Embrace Team
好吧，还没有索赔。但不喜欢一个区域的等待时间，6个月。我仍然无法登录。
Hello Michelle, We regret that your experience with our company has not met your expectations. We were unable to locate your account to view additional details, but please feel free to reach out to [email protected] with your full name and policy number and we’re happy to assist you further. Best regards, The Embrace Team
他们的门户网站自五月以来一直处于关闭状态，您无法提出索赔。我与客户服务人员进行了交谈，并将我的索赔和文件通过电子邮件发送给他们，地址为 tchandler@embracepetinsurancecom，他们确认已收到。从那时起，他们就给我发了电子邮件，因为没有所谓的文件而拒绝了我的索赔。我有 5 项索赔，他们目前尚未支付。
Hello Susan, We are aware of the technical issues that are affecting some of our users and we sincerely regret any inconvenience that has caused. Please know our team is diligently working on fixing any remaining bugs, it is high priority, and we appreciate your patience and understanding. Please also note that claims may still be submitted to us via email, fax, or USPS. Although we try to process claims as quickly as possible, they can take longer to complete if we are missing any required documentation (medical records, a complete invoice, clear diagnosis or reason for the visit, etc.). We were unable to locate your account to view the specific details of your claims, but please feel free to reach out to [email protected] with your name and policy number and we're happy to provide further assistance! Best regards, The Embrace Team
共 193 条符合条件的评价
